BlastPoint's Banking Scorecard
Wellworth Bank
Designations: ✓ Community bank
Lafayette, TN
20 branches across TN
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in TN.
- Deposits +8.1% year over year ($1.5B on the books).
- Delinquency rate 1.41%.
- Return on assets 1.30%.
- Efficiency ratio 57.32% vs a 59.73% peer average.
- Loan-to-deposit ratio 81.41% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Wellworth Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.41% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Delinquency Rate 0.54% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.8B
+7.3% YoY
+3.5% QoQ
|
-$955.0M |
$2.8B
-0.6% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$1.3B
+5.7% YoY
+2.0% QoQ
|
-$712.3M |
$2.0B
-0.3% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$1.5B
+8.1% YoY
+2.3% QoQ
|
-$782.2M |
$2.3B
-0.5% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
47% |
| Return on Assets ? |
1.30%
+11.3% YoY
-0.1% QoQ
|
-0.09% |
1.39%
+17.0% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
3.84%
+3.9% YoY
+0.5% QoQ
|
-0.03% |
3.87%
+6.2% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
57.32%
-2.0% YoY
-1.6% QoQ
|
-2.41% |
59.73%
-12.6% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
1.41%
+155.5% YoY
+1.8% QoQ
|
+0.54% |
0.87%
+11.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
81.41%
-2.2% YoY
-0.3% QoQ
|
-3.63% |
85.04%
-0.1% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
15.23%
-7.5% YoY
+4.5% QoQ
|
-6.04% |
21.27%
-1.5% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.96%
+151.6% YoY
+0.3% QoQ
|
+0.29% |
0.67%
+11.7% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
13.79%
+4.4% YoY
-0.1% QoQ
|
-1.05% |
14.84%
-0.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.28%
-1.0% YoY
+90.7% QoQ
|
-0.24% |
0.53%
+2.5% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
49% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.2%
-1.2pp YoY +0.6pp QoQ |
-6.1pp | 21.4% | 18.8% | 22.2% | 28% |
| Brokered Deposits | n/a | n/a | 9.5% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.3%
+0.7pp YoY +0.2pp QoQ |
-7.7pp | 14.0% | 10.9% | 12.5% | 25% |
| CRE |
46.5%
0.0pp YoY +0.5pp QoQ |
-3.5pp | 50.0% | 42.4% | 41.4% | 40% |
| 1-4 Family |
38.5%
+1.4pp YoY -0.2pp QoQ |
+12.1pp | 26.4% | 39.8% | 31.3% | 80% |
| Consumer |
3.1%
-0.7pp YoY -0.4pp QoQ |
-1.7pp | 4.7% | 4.5% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.8%
+0.6pp YoY 0.0pp QoQ |
-1.8pp | 15.6% | 14.8% | 19.7% | 55% |
| Leverage Ratio |
9.9%
+0.2pp YoY 0.0pp QoQ |
-1.4pp | 11.3% | 11.4% | 12.6% | 34% |
| Total Capital Ratio |
15.0%
+0.6pp YoY 0.0pp QoQ |
-1.7pp | 16.7% | 15.9% | 20.8% | 56% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
258
-2 (-0.8%) YoY -2 (-0.8%) QoQ |
-56 | 313 | 270 | 482 | 57% |
| Assets per Employee ($) |
$7.1M
+8.1% YoY +4.3% QoQ |
-$3.4M | $10.5M | $7.1M | $8.8M | 25% |
| Branch Count |
20
0 YoY 0 QoQ |
-0 | 20 | 17 | 18 | 65% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.4% | 49% |
| Nonaccrual |
1.4%
+0.9pp YoY 0.0pp QoQ |
+0.6pp | 0.8% | 0.7% | 1.0% | 83% |
| Allowance Coverage |
0.82x
-58.6% YoY +1.8% QoQ |
-17.89x | 18.71x | 28.97x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 50% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
+0.4pp YoY +0.1pp QoQ |
+0.5pp | 12.6% | 10.9% | 11.6% | 58% |
| Cost of Funds (YTD) |
2.2%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.9% | 2.0% | 1.7% | 71% |
| Net Income ($, YTD) |
$11.7M
+17.8% YoY — QoQ |
-$7.6M | $19.2M | $16.7M | $40.4M | 46% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.